@Clutch - If your neighbor is selling an FJ40 I'd buy it if I was you, no question. Even trashed ones are getting $5k and well restored ones cost as much as a new 200 series.
Re: SR5 vs higher spec. Obvious the TRD Offroad gets the locker which has a clear use and FOX suspension on a new truck is cool and and works better than stock suspension. Options are always profit for the manufacturer and dealer, so no, of course the TRD specs aren't worth the higher price. But rolling that stuff into financing and warranty has advantages. It's cheaper to the buyer than putting the whole outfit on a credit card.
Ultimately you're railing against the American Way. Plastic millionaires, go into debt over depreciating assets rather than saving and paying cash. You can't blame Toyota for doing business in the reality here. Their meat-and-potato truck is still pretty basic compared to the competition. You read TacomaWorld, "When is the Tacoma getting this or that like the Colorado?" But even being a relatively basic truck it still sells very well so I don't think we're alone in "getting" what Toyota is selling, even if it's less utility than the old trucks were it's still pretty truck-like (at least as much as Americans will tolerate and the EPA/DOT/NHTSA/IIHS will allow) relatively speaking.